Meet Smart Balance: All Your Stablecoins, One Simple Number

It's a familiar feeling: a little USDC in this wallet, some USDG in another, maybe a few other tokens scattered across apps you forgot about.

Every time you want to pay for something – or send money to a friend – you're stuck figuring out which wallet to open, which token to use, and whether you have enough in the right place.

It shouldn't be this complicated to spend your own digital dollars.

That's why we built Smart Balance, a Decal feature that brings all your stablecoins together into one clean, spendable number. No matter how many wallets you've connected or which stablecoins you hold, Decal automatically syncs them and shows your total available balance in one place.

No math. No juggling. No stress.

With Smart Balance, there's no switching between apps, no converting tokens just to pay, and no worrying about whether the “right” stablecoin has enough funds. Your balance simply reflects the actual amount of digital cash you have across your connected wallets. You always know exactly what you can spend, with Decal's Smart Payments doing all the hard work.

A unified balance for a fragmented world

The stablecoin ecosystem is growing fast, and that's great for users. More choice, more liquidity, more global utility. But it also leads to fragmentation, and fragmentation leads to friction.

Smart Balance solves that. It turns multiple tokens and multiple wallets into a single, clear picture of your digital dollars.

Stablecoin payments, made simple

Whether you're grabbing coffee, paying a friend back, or shopping online with Solana Pay, Smart Balance ensures you always see – and can always use – your true spending power.

No confusion. No complexity. Just a smarter way to handle your money.